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Equestrian finance is a specialist area of rural and commercial funding that requires
deep understanding of horses, land, property and the realities of running an equestrian business.
At Gable Business Finance, we introduce tailored finance solutions that enable equestrian
businesses to establish, modernise, diversify, refinance and grow.
From riding schools and livery yards to studs, racing yards and equestrian centres, we work with
business owners who need finance that reflects how equestrian enterprises actually operate.
Our role is to source relevant finance options for property and land purchase, development,
infrastructure investment, cash release and refinance — structured around long-term sustainability.
Equestrian finance is specialist funding designed specifically for horse-related
businesses and equestrian property. It differs from standard commercial finance because it must
account for mixed-use assets, land-based valuation, specialist infrastructure and income that
may fluctuate seasonally.
Many equestrian businesses operate from properties that combine residential accommodation with
commercial equestrian use. This can include stables, arenas, grazing land, gallops and staff
accommodation, all of which require specialist lender understanding.
Using a specialist equestrian finance intermediary ensures that your business, assets and plans
are presented clearly to lenders who understand the sector, improving approval outcomes and
long-term affordability.
Equestrian finance differs from standard business finance because equestrian enterprises do not
fit neatly into conventional lending models. Income can be seasonal, property is often mixed-use,
and asset values depend heavily on land quality and specialist facilities.
Mainstream lenders may struggle to assess equestrian risk correctly, which can result in reduced
loan-to-value ratios, higher interest rates or declined applications. Specialist equestrian finance
addresses this gap by working with lenders experienced in rural and equestrian cases.
At Gable Business Finance, we ensure lenders fully understand how your business operates, where
income is generated and how assets support long-term viability.
Finance can be introduced for a wide variety of equestrian businesses, from small family-run yards
to large commercial operations. Each business type presents unique operational and financial
considerations, which we factor into the funding strategy.
Whether you are acquiring your first equestrian property or refinancing a long-established business,
we tailor finance solutions to your specific circumstances and goals.
Yes, finance is available for equestrian property and land purchase, although it typically requires
specialist lenders. Equestrian properties often combine residential dwellings with commercial use,
which can complicate valuation and lending decisions.
Land quality, drainage, access, planning permissions and existing facilities all influence value.
Specialist equestrian lenders understand these factors and assess properties accordingly.
An equestrian-tied property is a property subject to planning or occupancy restrictions that limit
its use to equestrian-related purposes. These restrictions can reduce the pool of potential lenders
and buyers, making specialist finance essential.
While some lenders avoid tied properties, others specialise in them. We work with lenders who
understand equestrian occupancy conditions and can assess long-term viability appropriately.
Finance for equestrian-tied properties is typically assessed on both residential affordability
and business sustainability.
Yes. Equestrian finance can support new builds, extensions, conversions and major upgrades,
provided there is a clear business case and appropriate planning permissions.
Development finance may be structured in stages, aligning funding with build milestones and
anticipated future income.
Diversification finance supports equestrian businesses looking to introduce additional income
streams beyond core livery or training services. This is increasingly important in a challenging
cost environment.
Diversification can improve resilience, reduce reliance on a single revenue source and enhance
long-term sustainability.
Equestrian infrastructure is central to welfare standards, operational efficiency and client
satisfaction. Finance can be introduced for a wide range of specialist facilities.
Funding structures can reflect build timelines, staged payments and long-term return on investment.
Yes. Many equestrian businesses hold substantial value in land and property. Refinancing can
improve affordability, consolidate debt or release capital for reinvestment.
Cash release is often used to fund development, diversification or long-term succession planning.
Hire Purchase allows equestrian businesses to spread the cost of equipment or infrastructure
while working towards ownership at the end of the term.
Business loans can support acquisition, development, diversification and working capital,
with terms structured around affordability and sustainability.
Refinancing existing facilities may reduce costs, improve flexibility or release capital.
Finance leasing enables use of essential equipment without tying up capital in outright purchase.
Contract hire and operating leases provide predictable costs for vehicles and equipment where
ownership is not essential.
Specialist equestrian finance brokers understand the sector, the lenders and the nuances that
make equestrian businesses unique. This expertise significantly improves funding outcomes.
At Gable Business Finance, we build proactive relationships with our clients, ensuring lenders
fully understand the business case and long-term strategy.
If you are planning to purchase, develop, refinance or grow an equestrian business, speak to
Gable Business Finance today.
Our equestrian finance specialists will guide you through the options and introduce funding
solutions built around your business, your assets and your future plans.